Loans

As a member of Jackson EMC, you may qualify for financing of energy-efficient home improvements.

HomePlus Loan

Take advantage of our low-interest HomePlus Loan for a variety of energy-efficient home improvements. Whether you’re shopping for a new heat pump or planning to add insulation, your loan can be approved quickly.

Our 3% APR HomePlus Loan offers financing for qualifying home improvements totaling $500 to $7,500. Our market rate APR HomePlus Loan is available for qualifying projects totaling $7,501 to $25,000.

Download HomePlus Loan Brochure

A HomePlus Loan can be used for improvements like:

  • ENERGY STAR® qualified heat pump replacement
  • Water heater replacement
  • Ductwork repair
  • Insulation
  • Air sealing

A Home Energy Evaluation may help to determine which improvements may have the most benefits to you.

Contact a local Jackson EMC office and ask to speak with a residential energy advisor for all qualifying energy efficiency improvements for a loan. Financing is through our partner, Go Energy Financial*.

Applying for a HomePlus Loan

Qualifications:

  • Must be a Jackson EMC member in good standing
  • Loan can only be used for approved energy efficiency improvements
  • Improvements must be made a home served by Jackson EMC
  • Improvements must be made by a contractor from Jackson EMC’s participating contractor network
  • Member must complete the Go Energy Financial HomePlus Loan application.

Process:

  • Determine the energy-efficient home improvements you want to make
  • Contact Jackson EMC to speak to a residential energy advisor
  • Get an estimate for your energy efficiency improvements from a contractor available on Jackson EMCs participating contractor network
  • Complete the Go Energy Financial HomePlus loan application. Wait to start your improvements until you have received confirmation from Jackson EMC for your loan approval.
  • Your home improvements will be verified for completion and the loan documents will be signed
  • A check will be made payable to your contractor and mailed from Go Energy Financial
  • Your monthly loan payment will appear on your Jackson EMC bill and will be applied to your HomePlus loan. A $65 fee will be required at closing.

Apply for a Home Plus Loan

*Financing is available through our partner, Go Energy Financial. Loans up to $7,500 for 36 or 60 months. Qualification is based on an assessment of individual creditworthiness and the underwriting standards of Go Energy Financial. Upgrades must be made by a contractor from Jackson EMC’s participating contractor network. All Go Energy Financial loan programs, rates, forms, and conditions are subject to change at any time without notice. Limited time offer until funds are exhausted. Jackson EMC's energy efficiency services and products only relate to total electric equipment.

Solar Financing Loans

With our Solar Financing Loan Program, you may qualify for improvements totaling $500 to $25,000. Financing can be used for a Photovoltaic (PV) system or an ENERGY STAR®-qualified solar thermal water heater.